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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $67,279 | $60,442+11.3% | $96,754-30.5% | $87,485-23.1% |
| Participation rate | 67.2% | 58.7%+8.5pp | 70.3%-3.1pp | 68.9%-1.7pp |
| Annual return | 13.92% | 21.97%-8.1pp | 82.04%-68.1pp | 26.06%-12.1pp |
| Employer contribution / active EE | $1,091 | $1,691-35.5% | $2,679-59.3% | $2,596-58.0% |
| Participant deferral / active EE | $3,998 | $3,280+21.9% | $4,758-16.0% | $4,274-6.5% |
| Admin fee / account holder | $47,847 | $5,069+843.9% | $8,905+437.3% | $7,775+515.4% |